Call reports 2025
WAUMANDEE STATE BANK — 2025
What WAUMANDEE STATE BANK reported to the FFIEC in 2025, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2025Q1 | 2025Q2 | 2025Q3 | 2025Q4 |
|---|---|---|---|---|
| Total assets | 338,379,000 | 341,300,000 | 342,286,000 | 350,581,000 |
| Total loans | 257,027,000 | 261,218,000 | 264,722,000 | 261,749,000 |
| Allowance for loan losses | 2,595,000 | 2,712,000 | 2,641,000 | 2,608,000 |
| Securities available for sale | 51,330,000 | 51,597,000 | 50,101,000 | 50,279,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 288,139,000 | 289,225,000 | 289,531,000 | 300,266,000 |
| Interest-bearing deposits | 227,040,000 | 225,756,000 | 226,654,000 | 229,715,000 |
| Noninterest-bearing deposits | 61,099,000 | 63,469,000 | 62,877,000 | 70,551,000 |
| Equity capital | 35,991,000 | 37,136,000 | 37,628,000 | 38,363,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2025Q1 | 2025Q2 | 2025Q3 | 2025Q4 |
|---|---|---|---|---|
| Interest income | 4,677,000 | 9,464,000 | 14,445,000 | 19,618,000 |
| Interest expense | 1,619,000 | 3,243,000 | 4,854,000 | 6,445,000 |
| Net interest income | 3,058,000 | 6,221,000 | 9,591,000 | 13,173,000 |
| Noninterest income | 334,000 | 626,000 | 919,000 | 2,186,000 |
| Noninterest expense | 2,665,000 | 5,052,000 | 7,581,000 | 9,580,000 |
| Provision for loan losses | 130,000 | 250,000 | 415,000 | 615,000 |
| Pretax income | 596,000 | 1,540,000 | 2,512,000 | 5,158,000 |
| Income tax | 105,000 | 282,000 | 464,000 | 998,000 |
| Net income | 491,000 | 1,258,000 | 2,048,000 | 4,160,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2025Q1 | 2025Q2 | 2025Q3 | 2025Q4 |
|---|---|---|---|---|
| Tier 1 capital | 29,992,000 | 30,788,000 | 30,891,000 | 31,747,000 |
| Total capital | 32,587,000 | 33,500,000 | 33,532,000 | 34,355,000 |
| Risk-weighted assets | 246,645,000 | 249,080,000 | 249,032,000 | 242,219,000 |